Call reports 2019
SOUTHERN HILLS COMMUNITY BANK — 2019
What SOUTHERN HILLS COMMUNITY BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 155,568,000 | 155,760,000 | 159,559,000 | 160,712,000 |
| Total loans | 112,903,000 | 113,226,000 | 112,832,000 | 112,594,000 |
| Allowance for loan losses | 933,000 | 758,000 | 884,000 | 787,000 |
| Securities available for sale | 3,240,000 | 3,091,000 | 2,898,000 | 2,720,000 |
| Securities held to maturity | 323,000 | 123,000 | 123,000 | 99,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 129,151,000 | 129,024,000 | 132,502,000 | 133,861,000 |
| Interest-bearing deposits | 117,497,000 | 117,379,000 | 120,657,000 | 121,466,000 |
| Noninterest-bearing deposits | 11,654,000 | 11,645,000 | 11,845,000 | 12,395,000 |
| Equity capital | 24,452,000 | 24,633,000 | 24,710,000 | 24,840,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,767,000 | 3,566,000 | 5,334,000 | 7,109,000 |
| Interest expense | 171,000 | 360,000 | 576,000 | 816,000 |
| Net interest income | 1,596,000 | 3,206,000 | 4,758,000 | 6,293,000 |
| Noninterest income | 93,000 | 188,000 | 246,000 | 403,000 |
| Noninterest expense | 1,604,000 | 3,196,000 | 4,796,000 | 6,352,000 |
| Provision for loan losses | 51,000 | 102,000 | 102,000 | 102,000 |
| Pretax income | 34,000 | 102,000 | 120,000 | 266,000 |
| Income tax | 3,000 | 12,000 | 14,000 | 34,000 |
| Net income | 31,000 | 90,000 | 106,000 | 232,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,231,000 | 24,303,000 | 24,332,000 | 24,471,000 |
| Total capital | 25,164,000 | 25,061,000 | 25,216,000 | 25,258,000 |
| Risk-weighted assets | 97,961,000 | 97,696,000 | 98,655,000 | 99,413,000 |